It’s probably not on your urgent “to do” list immediately after moving to Germany.

However, once you’re settled in, arranging some personal liability insurance is definitely something I highly recommend getting fixed up with.

What’s more, the cost versus the potential risk of not having it really makes it a no-brainer.

To save you another bureaucratic hassle and another inflexible German contract, we’ve teamed up with our partners, Coya and Lemonade.

They offer this cover 100% in English and with a completely flexible cancellation option, at very competitive prices compared to the market.

Both of these companies are innovative and fresh. Coya was founded in Berlin and Lemonade has recently expanded to Germany from its US home.

They both distance themselves from the old-school, ultra conservative German insurance providers, all of whom demand minimum 1 year contract tie-ins and limited opportunities to cancel.

coya insurance in germany
trustedApply online in English
trustedZero deductibles (excess)
trustedCancel anytime
trustedGet confirmation in just a few minutes
trusted€30 million coverage limit
trustedCoverage from €4.29 a month (for comprehensive levels of coverage)
trustedApply online in English
trustedChoose levels of deductibles
trustedCancel anytime
trustedGet confirmation in just a few minutes
trusted€10 million coverage limit
trustedCoverage from just €2.00 a month

Liability insurance Germany: A (very affordable) necessity


First though, let’s run through a few reasons why you might be thankful you have this cover in place.

Personal liability insurance covers you against any accidental damages or consequential losses which are a direct cause of your actions.

Let’s run through a couple of examples:

Example 1:

You’re at a house party and you accidentally spill coffee or red wine onto your host’s expensive Persian rug. Your liability insurance would cover the cost of the dry cleaning bill, or worse, the cost of a new rug if the stains can’t be removed.

Example 2:

A friend of mine went to a pool hall after drinking a few beers and accidentally ripped the green baize covering on the pool table. Because he had personal liability insurance, he did not receive a bill from the owner for several hundred Euro to repair the damage.

Example 3:

On a weekend away with your partner, you accidentally drop a heavy object like an iron onto the parquet floor in your Airbnb, scratching and denting the wood. The owner of the property threatens to sue you for the damages, which could be hundreds of Euro (German tradesmen are expensive!) 


All of these are perfectly legitimate reasons (in the eyes of the law at least) to pursue you for the financial losses incurred. Most Germans would consider it completely normal behaviour to ask the person who caused the damages for compensation.

Whether or not it was an accident is viewed as irrelevant. Virtually everyone has liability insurance in Germany, and so it’s assumed that the person being asked to compensate would not end up being hundreds of Euro worse off.

Is it REALLY so essential to have personal liability insurance?


You might be thinking “but why do I need this insurance? I didn’t have anything like it in my home country”.

A perfectly sensible question.

Firstly, Germany’s legal system makes it very simple to sue if you cause minor accidental damages that have inflicted a financial loss unto another person or entity.

Secondly, many Germans have legal insurance, making it relatively easy to sue someone at will, without being impacted by prohibitively high legal costs.

Finally, a lot of this is cultural. For example, if a waiter, say, in Buenos Aires spills red wine on my nice new white shirt, the attitude may be mild annoyance, followed by a shrug and an “oh well, shit happens” type of reaction. Maybe the meal will be on the house, so the restaurant owner can show his empathy and appear contrite.

But otherwise, no pasa nada. 

Germans are somewhat less laid back in this regard.

If you’ve accidentally caused a situation which could impact another individual financially, you’re expected to take responsibility and financially recompense the losses which they have incurred.

The live and let live philosophy isn’t really pervasive in German culture when it comes to anything financial. Germans have a more black-and-white attitude towards how they view money and personal responsibility than most other cultures.

I’m not saying it’s good or bad per se, it’s just very different to cultures in other parts of the world, and something you will definitely need to get used to if you live in Germany.

What does it cost and how can I apply?


We’ve partnered up with Coya to provide this cover, who offer very comprehensive cover from €4.29 per month and Lemonade, who offer liability insurance from just €2.00 a month.

We’re happy to recommend both of these providers because:

  • they don’t insist on long-term contracts that are written in blood, and;
  • their sign-up process is online, without reams of paperwork.

The final cost depends on a few simple questions to evaluate the level of cover you require.

What about other essential insurance in Germany?


If you’re looking for advice on other types of insurance, we’ve got you covered here.

DISCLAIMER: We are not insurance brokers and this article does not constitute professional advice. We simply recommend these companies based on ease of sign-up and English language correspondence. Just like everything, we recommend you read the small print.

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